scholarly journals ASSOCIATION BETWEEN DEMOGRAPHIC FACTORS AND ATTITUDE TOWARDS CREDIT CARD USAGE, AMONG THE HOUSEHOLDS IN KARAVEDDY DIVISIONAL SECRETARIAT IN JAFFNA DISTRICT - SRI LANKA

Author(s):  
T. Athiyaman ◽  
V.A. Subramaniam

Technological developments play a significant role in accelerating economic development of nations. One of the important evidence for the above statement is the payment system using the card. This payment instrument is called as credit card. The credit card, also referred to as "plastic money" represents a contemporary payment system in the modern world. It can be stated as a payment tool that provides to the people the possibility of purchasing needed goods or services, without making any payment at that moment of purchase, by allowing them to make such payment at a later time, without charging any additional financial burden.

2016 ◽  
Vol 3 (2) ◽  
pp. 19
Author(s):  
Mallika Appuhamilage Kumudini Sriyalatha

This study examines the factors that influence the attitude of customers toward utilization of credit cards among academics at the University of Sri Jayewardenepura, Sri Lanka. 236 questionnaires were distributed through Google forms among academics in the Faculty of Management Studies and Commerce and 94 respondents have replied questionnaire back. Sample of the study is selected based on purposive sampling method.The factors which are included in this study are availability of information, perceived usefulness, and characteristics of card issuers, general satisfaction and card use intension. Multiple regression analysis is used to determine the most contributory factor that best predict the attitude toward using credit cards. According to the results of the study the most influential variable on attitude towards credit card usage is card used intention followed by perceived usefulness and availability of information. The most influential variable is explained 47.4% of the variation in the attitude towards usage of credit cards and the adjusted R2 also indicates that the model has good fit: 52.5% variation in attitude towards credit card usage is explained by estimated regression equation.Keywords: Attitude, Credit Card, Academics, Sri Lanka


2021 ◽  
Vol 7 (2) ◽  
pp. 146
Author(s):  
L. G. R. V. De Silva ◽  
S. S. J. Patabendige

2019 ◽  
Vol 3 (11) ◽  
pp. 355
Author(s):  
Thaer Tahir Fadel

In a rapidly changing world where new global challenges are striking their wings all over the world, it is recognized in the modern world that CTI is one of the engines of social and economic development and the drive for globalization. It will be more effective in the future. One of the solutions to these changes lies in science, technology and innovation. Science, technology and innovation are an engine for the task of economic development, but at the same time pose new challenges, as they contribute to the restructuring of the present world in the foreseeable future. In the same context, science, technology and innovation have a growing size in all areas of modern society, and this is manifest in the current international relations and the international presence of a country and its image in the world. The ability to bring about scientific and technological developments, innovation or attract talent are fundamental aspects of soft power and public diplomacy, and represent a framework for the state.


2020 ◽  
Vol 2 (1) ◽  
pp. 57-70
Author(s):  
Dwi Edi Wibowo

The progress of the times accompanied by increasingly sophisticated technology, opens new opportunities in the national economic development sector. New opportunities, namely business opportunities, are expected to encourage the macroeconomic sector to become more advanced so as to be able to improve the level of welfare of the people of Indonesia, with an increase in business opportunities in the modern world, so goods and services as the main commodity will certainly develop as well. However, goods and services as an element in these economic transactions open up opportunities for the emergence of possible losses suffered by consumers as part of fraud, negligence, or intentional business actors. This condition raises an understanding of the need for protection of consumers as parties who are often harmed by the actions of these 'naughty' business actors. In fact, an institution has been formed which aims to bring consumers to defend their rights as consumers, namely the Indonesian Consumers Foundation, but consumers are still reluctant to go through the judiciary for themselves so that they are more resigned to what they experience.


2010 ◽  
pp. 78-92 ◽  
Author(s):  
V. Klinov

Rates and factors of modern world economic growth and the consequences of rapid expansion of the economies of China and India are analyzed in the article. Modification of business cycles and long waves of economic development are evaluated. The need of reforming business taxation is demonstrated.


Author(s):  
S. K. Saravanan ◽  
G. N. K. Suresh Babu

In contemporary days the more secured data transfer occurs almost through internet. At same duration the risk also augments in secure data transfer. Having the rise and also light progressiveness in e – commerce, the usage of credit card (CC) online transactions has been also dramatically augmenting. The CC (credit card) usage for a safety balance transfer has been a time requirement. Credit-card fraud finding is the most significant thing like fraudsters that are augmenting every day. The intention of this survey has been assaying regarding the issues associated with credit card deception behavior utilizing data-mining methodologies. Data mining has been a clear procedure which takes data like input and also proffers throughput in the models forms or patterns forms. This investigation is very beneficial for any credit card supplier for choosing a suitable solution for their issue and for the researchers for having a comprehensive assessment of the literature in this field.


2018 ◽  
Vol 35 (4) ◽  
pp. 62-64
Author(s):  
Nazar Ul Islam Wani

Pilgrimage in Islam is a religious act wherein Muslims leave their homes and spaces and travel to another place, the nature, geography, and dispositions of which they are unfamiliar. They carry their luggage and belongings and leave their own spaces to receive the blessings of the dead, commemorate past events and places, and venerate the elect. In Pilgrimage in Islam, Sophia Rose Arjana writes that “intimacy with Allah is achievable in certain spaces, which is an important story of Islamic pilgrimage”. The devotional life unfolds in a spatial idiom. The introductory part of the book reflects on how pilgrimage in Islam is far more complex than the annual pilgrimage (ḥajj), which is one of the basic rites and obligations of Islam beside the formal profession of faith (kalima); prayers (ṣalāt); fasting (ṣawm); and almsgiving (zakāt). More pilgrims throng to Karbala, Iraq, on the Arbaeen pilgrimage than to Mecca on the Hajj, for example, but the former has received far less academic attention. The author expands her analytic scope to consider sites like Konya, Samarkand, Fez, and Bosnia, where Muslims travel to visit countless holy sites (mazarāt), graves, tombs, complexes, mosques, shrines, mountaintops, springs, and gardens to receive the blessings (baraka) of saints buried there. She reflects on broader methodological and theoretical questions—how do we define religion?—through the diversity of Islamic traditions about pilgrimage. Arjana writes that in pilgrimage—something which creates spaces and dispositions—Muslim journeys cross sectarian boundaries, incorporate non-Muslim rituals, and involve numerous communities, languages, and traditions (the merging of Shia, Sunni, and Sufi categories) even to “engende[r] a syncretic tradition”. This approach stands against the simplistic scholarship on “pilgrimage in Islam”, which recourses back to the story of the Hajj. Instead, Arjana borrows a notion of ‘replacement hajjs’ from the German orientalist Annemarie Schimmel, to argue that ziyārat is neither a sectarian practice nor antithetical to Hajj. In the first chapter, Arjana presents “pilgrimage in Islam” as an open, demonstrative and communicative category. The extensive nature of the ‘pilgrimage’ genre is presented through documenting spaces and sites, geographies, and imaginations, and is visualized through architectural designs and structures related to ziyārat, like those named qubba, mazār (shrine), qabr (tomb), darih (cenotaph), mashhad (site of martyrdom), and maqām (place of a holy person). In the second chapter, the author continues the theme of visiting sacred pilgrimage sites like “nascent Jerusalem”, Mecca, and Medina. Jerusalem offers dozens of cases of the ‘veneration of the dead’ (historically and archaeologically) which, according to Arjana, characterizes much of Islamic pilgrimage. The third chapter explains rituals, beliefs, and miracles associated with the venerated bodies of the dead, including Karbala (commemorating the death of Hussein in 680 CE), ‘Alawi pilgrimage, and pilgrimage to Hadrat Khidr, which blur sectarian lines of affiliation. Such Islamic pilgrimage is marked by inclusiveness and cohabitation. The fourth chapter engages dreams, miracles, magical occurrences, folk stories, and experiences of clairvoyance (firāsat) and the blessings attached to a particular saint or walī (“friend of God”). This makes the theme of pilgrimage “fluid, dynamic and multi-dimensional,” as shown in Javanese (Indonesian) pilgrimage where tradition is associated with Islam but involves Hindu, Buddhist and animistic elements. This chapter cites numerous sites that offer fluid spaces for the expression of different identities, the practice of distinct rituals, and cohabitation of different religious communities through the idea of “shared pilgrimage”. The fifth and final chapter shows how technologies and economies inflect pilgrimage. Arjana discusses the commodification of “religious personalities, traditions and places” and the mass production of transnational pilgrimage souvenirs, in order to focus on the changing nature of Islamic pilgrimage in the modern world through “capitalism, mobility and tech nology”. The massive changes wrought by technological developments are evident even from the profusion of representations of Hajj, as through pilgrims’ photos, blogs, and other efforts at self documentation. The symbolic representation of the dead through souvenirs makes the theme of pilgrimage more complex. Interestingly, she then notes how “virtual pilgrimage” or “cyber-pilgrimage” forms a part of Islamic pilgrimage in our times, amplifying how pilgrimage itself is a wide range of “active, ongoing, dynamic rituals, traditions and performances that involve material religions and imaginative formations and spaces.” Analyzing religious texts alone will not yield an adequate picture of pilgrimage in Islam, Arjana concludes. Rather one must consider texts alongside beliefs, rituals, bodies, objects, relationships, maps, personalities, and emotions. The book takes no normative position on whether the ziyāratvisitation is in fact a bid‘ah (heretical innovation), as certain Muslim orthodoxies have argued. The author invokes Shahab Ahmad’s account of how aspects of Muslim culture and history are seen as lying outside Islam, even though “not everything Muslims do is Islam, but every Muslim expression of meaning must be constituting in Islam in some way”. The book is a solid contribution to the field of pilgrimage and Islamic studies, and the author’s own travels and visits to the pilgrimage sites make it a practicalcontribution to religious studies. Nazar Ul Islam Wani, PhDAssistant Professor, Department of Higher EducationJammu and Kashmir, India


2013 ◽  
Vol 19 (69) ◽  
pp. 55-76
Author(s):  
Boženko Đevoić

ABSTRACT This article gives an overview of the 26 year long ethnic conflict in Sri Lanka and examines physical reconstruction and economic development as measures of conflict prevention and postconflict reconstruction. During the years of conflict, the Sri Lankan government performed some conflict prevention measures, but most of them caused counter effects, such as the attempt to provide “demilitarization”, which actually increased militarization on both sides, and “political power sharing” that was never honestly executed. Efforts in post-conflict physical reconstruction and economic development, especially after 2009, demonstrate their positive capacity as well as their conflict sensitivity. Although the Sri Lankan government initially had to be forced by international donors to include conflict sensitivity in its projects, more recently this has changed. The government now practices more conflict sensitivity in its planning and execution of physical reconstruction and economic development projects without external pressure.


2006 ◽  
Vol 18 (6) ◽  
pp. 593-597 ◽  
Author(s):  
John Mahoney ◽  
Vijay Chandra ◽  
Harrischandra Gambheera ◽  
Terrence De Silva ◽  
T. Suveendran

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